XL Group Ltd

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XL : NYSE : Financial
$43.3 | %
Today's Range: 43.26 - 43.59
Avg. Daily Volume: 1462600.0
05/26/17 - 4:03 PM ET

Financial Analysis


XL GROUP LTD's gross profit margin for the first quarter of its fiscal year 2017 is essentially unchanged when compared to the same period a year ago. The company managed to grow both sales and net income at a faster pace than the average competitor in its industry this quarter as compared to the same quarter a year ago.

During the same period, stockholders' equity ("net worth") has decreased by 6.10% from the same quarter last year.

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Income Statement Q1 FY17 Q1 FY16
Net Sales ($mil)2717.12421.81
EBITDA ($mil)280.42252.92
EBIT ($mil)256.4170.72
Net Income ($mil)152.8421.89


Balance Sheet Q1 FY17 Q1 FY16
Cash & Equiv. ($mil)5965.925575.43
Total Assets ($mil)61024.6260645.69
Total Debt ($mil)2648.352653.9
Equity ($mil)10974.8811688.74


Profitability Q1 FY17 Q1 FY16
Gross Profit Margin10.3210.44
EBITDA Margin10.3210.44
Operating Margin9.447.05
Sales Turnover0.180.17
Return on Assets0.931.96
Return on Equity5.2110.2
Debt Q1 FY17 Q1 FY16
Current Ratio0.00.0
Debt/Capital0.190.19
Interest Expense50.7152.3
Interest Coverage5.063.26


Share Data Q1 FY17 Q1 FY16
Shares outstanding (mil)263.74286.27
Div / share0.220.2
EPS0.570.07
Book value / share41.6140.83
Institutional Own % n/a n/a
Avg Daily Volume1458860.01769581.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 29.46 for the Insurance industry and a discount compared to the S&P 500 average of 25.02. Conducting a second comparison, its price-to-book ratio of 1.02 indicates a significant discount versus the S&P 500 average of 3.00 and a discount versus the industry average of 1.80. The current price-to-sales ratio is well below the S&P 500 average and is also below the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, XL GROUP LTD proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
XL 20.22 Peers 29.46   XL 10.98 Peers 10.60

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

XL is trading at a significant discount to its peers.

 

Average. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

XL is trading at a valuation on par to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
XL 10.48 Peers 15.34   XL 0.19 Peers 1.62

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

XL is trading at a discount to its peers.

 

Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

XL trades at a significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
XL 1.02 Peers 1.80   XL -48.14 Peers 19.97

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

XL is trading at a significant discount to its peers.

 

Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, XL is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
XL 1.03 Peers 1.41   XL 4.87 Peers 11.83

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

XL is trading at a significant discount to its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

XL significantly trails its peers on the basis of sales growth

 

 

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